Decisive Factors Influencing the Mortgage Loan Market in the
Territory of the Czech Republic

D 2019

Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic

STUCHLÝ, Jaroslav; Michal ŠUTA and Petr SÁDLO

Basic information

Original name

Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic

Name in Czech

Faktory ovlivňující trh hypotečních úvěrů na území České republiky

Authors

STUCHLÝ, Jaroslav; Michal ŠUTA and Petr SÁDLO

Edition

Seville, Spain, Proceedings of the 32nd International Business Information Management Association Conference. Vision 2020: Sustainable Economic Development and Application of Innovation Management from Regional expansion to Global Growth. p. 7527-7539, 13 pp. 2019

Publisher

International Business Information Management Association (IBIMA)

Other information

Language

English

Type of outcome

Proceedings paper

Field of Study

50200 5.2 Economics and Business

Country of publisher

Austria

Confidentiality degree

is not subject to a state or trade secret

Publication form

electronic version available online

Organization unit

Institute of Technology and Business in České Budějovice

ISBN

978-0-9998551-1-9

EID Scopus

2-s2.0-85063031211

Keywords (in Czech)

hypotéka; Česká republika; faktory ovlivňující trh s hypotečními úvěry

Keywords in English

mortgage; Czech Republic; factors influencing the mortgage loan market

Abstract

ORIG CZ

V originále

Most of the people use mortgage loans as a tool for achieving their own decent living. The aim of this article is to analyze key sociological and personal economic indicators (variables) that influence the mortgage market. Authors’ starting point was to define in advance a null hypothesis (H0) which had been tested in statistic software R at confidence interval 0.05. Reliable data for the empirical research were gathered through a questionnaire. The statistical research helped reveal that the mean value of the mortgage loan is 0.2922, its standard deviation, which amounts to 0.0368, is caused by high data variability. The statistical research further proved that there are significant factors influencing the mortgage loan market.

In Czech

V současné době představuje hypoteční úvěr pro většinu obyvatel nástroj, bez kterého se neobejdou při pořizování vlastního adekvátního bydlení. Cílem tohoto příspěvku je analyzovat hlavní sociologické a osobní ekonomické indikátory (proměnné), které působí na trhu hypoték. Východiskem autorů bylo předem definování nulové hypotézy (H0), která byla testována ve statistickém software R na hladině významnosti 0,05. Data pro empirické šetření byla získána pomocí dotazníkového šetření. Pomocí statistického šetření se podařilo zjistit, že střední hodnota hypotečního úvěru je 0,2922, jeho standardní chyba 0,0368 je způsobena značnou variabilitou dat. Dále se pomocí statistického šetření ukázalo, že existují faktory, které významně ovlivňují zmíněný trh hypotečního úvěru.

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Cite

STUCHLÝ, Jaroslav; Michal ŠUTA and Petr SÁDLO. Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic. Online. In Khalid S. Soliman. Proceedings of the 32nd International Business Information Management Association Conference. Vision 2020: Sustainable Economic Development and Application of Innovation Management from Regional expansion to Global Growth. Seville, Spain: International Business Information Management Association (IBIMA), 2019, p. 7527-7539. ISBN 978-0-9998551-1-9.

@inproceedings{47803,
   author = {Stuchlý, Jaroslav and Šuta, Michal and Sádlo, Petr},
   address = {Seville, Spain},
   booktitle = {Proceedings of the 32nd International Business Information Management Association Conference. Vision 2020: Sustainable Economic Development and Application of Innovation Management from Regional expansion to Global Growth.},
   editor = {Khalid S. Soliman},
   keywords = {mortgage; Czech Republic; factors influencing the mortgage loan market},
   howpublished = {elektronická verze "online"},
   language = {eng},
   location = {Seville, Spain},
   isbn = {978-0-9998551-1-9},
   pages = {7527-7539},
   publisher = {International Business Information Management Association (IBIMA)},
   title = {Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic},
   year = {2019}
}

TY  - CONF
ID  - 47803
AU  - Stuchlý, Jaroslav - Šuta, Michal - Sádlo, Petr
PY  - 2019
TI  - Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic
PB  - International Business Information Management Association (IBIMA)
CY  - Seville, Spain
SN  - 9780999855119
KW  - mortgage
KW  - Czech Republic
KW  - factors influencing the mortgage loan market
N2  - Most of the people use mortgage loans as a tool for achieving their own decent living. The aim of this article is to analyze key sociological and personal economic indicators (variables) that influence the mortgage market. Authors’ starting point was to define in advance a null hypothesis (H0) which had been tested in statistic software R at confidence interval 0.05. Reliable data for the empirical research were gathered through a questionnaire. The statistical research helped reveal that the mean value of the mortgage loan is 0.2922, its standard deviation, which amounts to 0.0368, is caused by high data variability. The statistical research further proved that there are significant factors influencing the mortgage loan market.
ER  -

STUCHLÝ, Jaroslav; Michal ŠUTA and Petr SÁDLO. Decisive Factors Influencing the Mortgage Loan Market in the Territory of the Czech Republic. Online. In Khalid S. Soliman. \textit{Proceedings of the 32nd International Business Information Management Association Conference. Vision 2020: Sustainable Economic Development and Application of Innovation Management from Regional expansion to Global Growth.}. Seville, Spain: International Business Information Management Association (IBIMA), 2019, p.~7527-7539. ISBN~978-0-9998551-1-9.

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